One of the most popular utilization of expert systems is supporting credit granting decisions. Usually, certain systems without possibilities of representing of uncertain knowledge are used. The main aim of this paper is to compare certain and uncertain expert systems supporting credit granting decisions, and stating which one is superior over another.

For most Americans, access to credit is an essential requirement for upward mobility and financial success. A favorable credit rating is necessary to purchase a home or car, to start a new business, to seek higher education, or to pursue other important goals. For many consumers, strong credit is also necessary to gain access to employment, rental housing, and essential services such as insuran...

Financial technology innovations that are currently developing have provided convenience for the user community in fields of financial systems, asset management to micro and small business (MSME) financing. The long objective this research is optimize Peer-To-Peer Lending financing model based on analysis preferences potential lenders determining MSME decisions. This type descriptive quantitati...

This study is on the determinants of credit access by small scale farmers in Dekina Local Government Area of Kogi State, Nigeria. The specific objectives are to; identify the major source of credit among the small scale farmers; estimate the determinants of farmers’ access to formal credit; compare the farm income of farmers who have access to formal credit and those who have not and identify c...

Access to credit is a key enabler of modern life. Yet many consumers face factors beyond their control which sometimes render them unable to borrow from mainstream lenders. This paper documents how firm-related factors determine lending thresholds and shape who is, or is not, a credit-worthy customer. The impact of the 2008 economic recession on lending decisions is explored, an aspect that has...

Credit derivatives are the latest in a series of innovations that have had a significant impact on credit markets. Using a micro data set of individual corporate loans, this paper explores whether use of credit derivatives is associated with an increase in bank credit supply. We find evidence that greater use of credit derivatives is associated with greater supply of bank credit for large term ...

Abstract Making responsible lending decisions involves many factors. There is a growing amount of research on machine learning applied to credit risk evaluation. This promises enhance diversity in without impacting the quality available by using data previous and their outcomes. However, often most accurate methods predict ways that are not transparent human domain experts. A consequence increa...

The Internal Ratings Based (IRB) approach suggested in the New Basel Accord regulations (BIS 2005) uses a capital allocation formula derived from a Merton style structural model of the credit risk of portfolios of corporate loans. Yet this formula is being applied in the case of consumer loans as well as corporate loans. This has highlighted that although there are a number of well established ...